No. The assessed value is for tax purposes and it is based on what should be the real estate value based on sales in your county. Depending on what kind of policy you have as your homeowner's policy you probably need the replacement cost value and not the real estate price.
Homeowner insurance
No, That's what Auto Insurance is for.
Every renter with valuable property in thier apartment should get renter's insurance for protection. Weigh the cost of insurance with the cost of replacing your property to decide if it is worthwhile in your situation.
One of the best strategies is to ask a local insurance agent. If you drive a vehicle in the United States, you probably have car insurance. If you're a homeowner, you may even have homeowner's insurance. The agents who generated these policies (car insurance and homeowner's) insurance should be knowledgeable about term and permanent life insurance. If they can't help, they'll most likely be able to point you to an agent who can.
It's best to check with the insurance provider but you should be able to transfer it with no issues as the insurance is for yourself/your belongings, not the apartment building itself.
It should. You should request a policy review with your agent. It has to be stated in the policy what is and is not covered. <><><> DO review your policy with your agent. Sewer Backup is typically EXCLUDED from most homeowner's insurance. It CAN be added to a homeowner's policy. Have you read your policy?
Your neighbor's insurance company's liabilty coverage should pay for it and your insurance company should pursue it for you
Homeowners insurance covers the house itself should it be damaged. Many of the policies include liability insurance so that if anyone is injured there you have protection. There are some types of mortgage insurance that cover the remaining mortgage should the owner die. But, if the lender does not require it due to a low down payment, one would have to specifically buy that.
Homeowner's insurance covers most basic liability needs, should someone become injured on your property. Additional coverage against fire, flood, and earthquake is also recommended to protect your investment.
Neither homeowner's insurance will probably cover property stolen from a car. Homeowner's insurance usually only covers stuff stolen from your home. However, the automobile insurance policy might cover it.
No, Not necessarily unless your risk factors are increasing ever year.
Your state insurance dept regulators and the board members of the ins company.